Michigan students will be offered loan delinquency counseling and financial education services by Inceptia, a division of National Student Loan program. Inceptia is a non-profit that works to help students with financial counselling and access to higher education. They will be partnering with the state of Michigan to provide a one-year loan delinquency pilot program to help people currently behind on repayment of loans. Those behind on student loans will work with a counselor to develop a repayment plan and be provided with financial education. To qualify, you must have federal student loans from a public or private non-profit Michigan higher education institution, currently be delinquent on their student loans, and agree to provide their credit score twice during the pilot period. The pilot runs from January 1, 2017, through January 1, 2018. To learn more about the program, borrowers can go to: www.loanassistmichigan.org.